Ad Lib is a small employer, and medical claims from its workers are spread among PacificSource's other customers, which prevents Ad Lib's premiums from shooting up dramatically if one of its employees - such as Sisk - undergoes costly treatment.

I'll always remember one particularly fabulous steward on the way to Brussels who decided to ad lib the safety talk and informed us hard-nosed travellers that there may be 50 ways to leave your lover but only six ways to leave this aeroplane - priceless.

Certainly he can occasionally be quite amusing, in spite of, rather than because of, the foul language and lapses of taste, but sadly he spawned a generation of so-called comics who think clever scripts and preparing an act are not necessary as it can be done ad lib.

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